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All You Ever Wanted to Know About Insurance

Full of Hot Air? Not Our HVAC Insurance Program

SEATTLE, Wash. – Imagine what $5,000, $10,000, even as much as $25,000 savings would mean for your business and your bottom line?

Thinking about your budget is one thing – thinking about your insurance is another – and chances are you probably don’t like spending much time on the latter.

As an industry, HVAC contractors pose unique insurance coverage challenges best met with programs and carriers specifically designed to handle these risks. Unfortunately, too often we review accounts where a client assumes because they are paying such a high premium they must have the best coverage – but that’s not always the case.

It happened again this month when a Seattle-based heating and cooling service provider came to Insurance Services Group to review their insurance policy. At the time this particular business was paying more than $60,000 a year for commercial insurance coverage. Not only that but they had some serious deficiencies in their policy putting their business, their staff, and their clients at risk.

As a leading independent commercial insurance brokerage, we understand these challenges and we work with the right carriers to provide policies to fit these specialized needs. In this particular case our team tailored a plan that not only saved the owner more than $25,000 a year, but more importantly filled the gaps in their coverage so if something happens in the future the right things are in place.

Common HVAC Coverages include:

  • Business Owner Policy (BOP)
  • General Liability
  • Commercial Auto Packages
  • Commercial Umbrellas
  • Equipment Installation

 Our HVAC Program Benefits include:

  • Same-day Certificate Turnaround
  • Audit Review & Correction
  • Risk Assessment
  • Claims Experience
  • Annual Policy Reviews
  • Swift Quotations
  • Rapid Policy Delivery

When it comes to insurance, the fine print matters. Let our team see what we can do for your heating and cooling business.